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A Medicare Supplement plan helps fill the gaps in Original Medicare.
In Original Medicare, you generally pay some of the costs for approved services. Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private company that helps pay your share of costs.
When choosing the best Medicare Supplement (Medigap) plan in Florida, you'll need to select both a good insurance company, the plan that has the best coverage and the lowest premium to meet your needs.
Medicare doesn’t put a cap on out-of-pocket costs. If you want coverage for most of your out-of-pocket expenses, a comprehensive policy might fit your needs. If you don’t have a lot of health needs, a lower-cost policy might be best. Here are some questions to think about:
- Do your medical needs require frequent doctor's office visits or skilled nursing care? You may need a plan that covers 100% of your coinsurance for those services.
- Do you anticipate any extended hospital stays? You may want a plan that covers your Part A coinsurance and deductible.
- Do you travel overseas often? Choose a plan that has foreign travel benefits. Most Florida Medigap policies cover qualifying emergency care overseas.
What Are the Most Popular Medigap Policies in Florida?
Medigap Enrollment in Florida
| Plan Type | Enrolled (Rounded) | Percent of Total Enrolled |
| Plan F | 578,000 | 63% |
| Plan G | 47,000 | 5% |
| Plan N | 82,000 | 9% |
- Plan F pays all your Medicare out-of-pocket costs, which usually makes it the most expensive. But there’s a high-deductible version of Plan F that has lower monthly premiums. Plan F is not available to people who qualify for Medicare on or after January 1, 2020.
- Plan G pays for all the same benefits as Plan F, except for the Part B deductible ($233 in 2022). Plan G has become more popular since newly eligible beneficiaries can’t buy Plan F. Plan G also has a high-deductible option.
- Plan N covers nearly all the same benefits as F and G, except that it doesn’t pay for the Part B deductible or the Part B excess charge.
What does a Medigap plan cost?
In paying for many healthcare items and services, Medicare Supplement plans share the cost of care through deductibles, copayments and coinsurance. The cost varies by plan.
Have questions about Medicare Supplement (Medigap) plans? Request a call from a licensed agent.
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